Axis Atlas vs IDFC Mayura Credit Card Comparison 2025: Fees, Rewards & Benefits

Comparison Summary

Axis Atlas and IDFC Mayura Credit Cards both serve premium users with a focus on travel and rewards, but differ in fee structure, reward style, and lounge access. Axis Atlas charges ₹5,000 annually and offers tier-based EDGE Miles convertible to airline/hotel points with Priority Pass lounge access, suited for frequent travelers. IDFC Mayura’s ₹5,999 fee backs milestone cashback rewards and fixed 16 domestic/international lounge visits, appealing to high-income cashback seekers. Both cards have specific exclusions and benefits, making choice dependent on spending habits and travel needs.

Feature	Axis Atlas Credit Card	IDFC Mayura Card
Card Image	Axis Bank	Idfc First Bank
Card Network	Mastercard, Visa	Mastercard
USP	The Axis Atlas Credit Card is a premium travel rewards card designed for frequent flyers and luxury travelers, offering high EDGE Miles on airline and hotel bookings, exclusive lounge access, and milestone bonuses for big spenders. Enjoy seamless travel perks, rewarding redemptions, and global acceptance.	The IDFC Mayura Credit Card is a premium travel and lifestyle card offering zero forex markup, high reward points on everyday spends, and unlimited access to domestic and international airport lounges, perfect for frequent travelers and luxury seekers. Enjoy exclusive cashback, seamless EMI options, and comprehensive travel benefits that elevate your card experience.
Annual Fee	5000 - +GST	5999 - +GST
Joining Fee	5000 - +GST	5999 - +GST
Welcome Benefits	2,500 EDGE Miles credited on spending minimum 3 transactions within 37 days of card issuance, which can be redeemed for travel stays and flights worth roughly ₹5,000.	Cashback of ₹4,000 on any 4 transactions of ₹1,000 or above within 60 days of card generation
Lounge Access	Domestic: 2 per quarter \| International: 1 per quarter	Domestic: 4 per quarter \| International: 4 per quarter On spends of ₹20,000+ in the last month \| 1 complimentary guest visit per year
Reward Rate	5 EDGE Miles per ₹100 on travel bookings via Axis Bank Travel Edge up to ₹2 lakh monthly and 2 EDGE Miles per ₹100 on all other spends.	10X reward points per ₹150 on incremental spends above ₹20,000 per statement cycle, 5X reward points per ₹150 on spends up to ₹20,000, 3X reward points on rent, education, wallet load, and government transactions, and 1X reward points on insurance and utilities.
Interest Rate	3.49% per month (around 42% per annum)	0.75% to 3.99% per month (approximately 9% to 48% per annum)
Best For	Lounge Access, Travel	Lounge Access, Travel
Apply Now	Apply Now	Apply Now

Fees & Charges Comparison: Axis Atlas vs IDFC Mayura Credit Card

Fee Type	Axis Atlas Credit Card	IDFC Mayura Credit Card
Joining Fee	₹5,000 + GST	₹5,999 + GST
Annual Fee	₹5,000 + GST	₹5,999 + GST
Add-on Card Fee	Nil	Nil
Foreign Currency Transaction Fee	3.50% of the transaction value	Not specified; typically around 3.5%
Cash Advance Fee	2.5% (min ₹500) of amount withdrawn	Not specified
Finance Charges / Interest	3.60% per month (52.86% p.a.)	9% – 47.88% p.a.
Overlimit Fee	2.5% of over-limit amount (min ₹500)	Not specified
Late Payment / Overdue Fee	Nil to ₹1,200 depending on due amount	Not specified
Fee for Cheque Return/Auto-debit Reversal	2% of amount (min ₹450, max ₹1,500)	Not specified
Payment Fee (Cash payment)	₹100	Not specified
Renewal Fee	₹5,000 + GST (no waiver)	₹5,999 + GST (no waiver)

The Axis Atlas Credit Card has an annual and joining fee of ₹5,000 plus GST with no waiver on renewal fees. It charges a foreign currency transaction fee of 3.5%, a cash advance fee of 2.5% with a minimum of ₹500, and finance charges at 3.6% per month (equivalent to 52.86% per annum). Over-limit fees are 2.5% with a minimum of ₹500, and late payment fees vary from zero up to ₹1,200 depending on the overdue amount. Additional fees such as cheque return or auto-debit reversal are charged at 2% of the amount with minimum and maximum limits. Cash payments incur a ₹100 fee. Add-on cards are free of charge.

The IDFC Mayura Card has an annual and joining fee of ₹5,999 plus GST, also without any fee waiver on renewal. While specific fee details like foreign currency transaction fees, cash advance fees, and late payment charges are not explicitly published, its overall finance charge ranges between 9% to 47.88% per annum depending on repayment behavior. There are no known fees for add-on cards, and additional penalty fees are not clearly stated in public sources.

Welcome Benefits & Eligibility: Axis Atlas vs IDFC Mayura Credit Card

Feature	Axis Atlas Credit Card	IDFC Mayura Credit Card
Joining Fee	₹5,000 + GST	₹5,999 + GST
Welcome Benefit	2,500 EDGE Miles on 1st transaction within 37 days (worth up to ₹9,000 in partner conversions)	₹1,000 cashback per transaction for first 4 spends of ₹1,000+ within 60 days of joining
Renewal Fee	₹5,000 + GST (no waiver)	₹5,999 + GST (no waiver)
Eligibility Criteria	Minimum annual income ₹9 lakhs	Gross annual salary ₹25 lakhs
Application Process	Online application, requires income proof; aimed at frequent travelers and premium segment	Online application with salary proof; targeted at high-income professionals

The Axis Atlas Credit Card charges a joining fee of ₹5,000 plus GST with no waiver on renewal. Upon making the first transaction within 37 days of card issuance, cardholders get 2,500 EDGE Miles as a welcome benefit, which can be converted to partner miles worth up to ₹9,000, especially at hotel partners like ITC and Accor. The card targets frequent travelers with a minimum annual income of ₹9 lakhs. The application process is digital and requires income proof.

The IDFC Mayura Card has a slightly higher joining and renewal fee of ₹5,999 plus GST with no waiver available. It offers an immediate cashback of ₹1,000 on each of the first four transactions of ₹1,000 or more within 60 days of joining. The eligibility bar is higher with a gross annual salary requirement of ₹25 lakhs. The application is completed online and targets high-income professionals seeking milestone rewards.

Spend Category	Axis Atlas Credit Card	IDFC Mayura Credit Card
Base Reward Rate	2 EDGE Miles per ₹100 (equivalent to ~4%–8% reward rate)	0.7% reward points on most spends
Accelerated Reward Rate	5 EDGE Miles per ₹100 on Axis Travel Edge portal, direct hotel and airline bookings (up to ₹2 lakh monthly spend)	10x points for monthly spends over ₹20,000 and on birthdays, 5x for spends below ₹20,000
Reward Exclusions	No EDGE Miles on Gold/Jewellery, Rent, Wallet, Govt, Insurance, Fuel, Utilities	No rewards on transportation spends
Milestone Rewards	2,500 EDGE Miles at ₹3 lakh spend, 2,500 at ₹7.5 lakh, 5,000 at ₹15 lakh (annual tiers Silver, Gold, Platinum)	7,500 and 15,000 bonus points on ₹8 lakh and ₹15 lakh annual spends respectively
Reward Caps	30,000 EDGE Miles (60,000 partner miles) and 1,20,000 EDGE Miles (2.4 lakh partner miles)	Not explicitly stated
Reward Accrual Method	EDGE Miles convertible to frequent flyer/hotel programs (1 EDGE Mile ≈ 2 partner miles)	Points convertible to cashback (1 RP = ₹0.25)

The Axis Atlas Credit Card offers a solid base reward of 2 EDGE Miles per ₹100 spent (around 4%–8% value) on all spends except categories like gold, rent, fuel, government, and wallet payments. It accelerates rewards to 5 EDGE Miles per ₹100 for spends on the Axis Travel Edge portal, direct hotel websites, and airline bookings, capped at ₹2 lakh monthly spend. Milestone rewards are granted at ₹3 lakh, ₹7.5 lakh, and ₹15 lakh annual spends, with bonus EDGE Miles credited on hitting Silver, Gold, and Platinum tiers. The EDGE Miles earned can be converted to airline and hotel rewards at a rate of roughly 1 EDGE Mile to 2 partner miles, resulting in significant value uplift.

The IDFC Mayura Card has a base reward rate of 0.7% on most spends, with milestone accelerated rewards offering 10x points for monthly spends exceeding ₹20,000 and on birthdays, and 5x points for spends below ₹20,000. It excludes transportation spends from rewards. Bonus points are also provided for crossing ₹8 lakh and ₹15 lakh annual spending milestones. Points can be redeemed for cashback at a conversion rate of 1 RP = ₹0.25.

Overall, the Axis Atlas card is more suited for users focused on travel-related spends and frequent flyer benefits, while IDFC Mayura provides straightforward cashback and milestone rewards with decent multipliers on higher spends

Lounge Access Benefits: Axis Atlas vs IDFC Mayura Credit Card

Feature	Axis Atlas Credit Card	IDFC Mayura Credit Card
Domestic Lounge Visits	Silver: 8 visits/year Gold: 12 visits/year Platinum: 18 visits/year	16 visits/year
International Lounge Visits	Silver: 4 visits/year Gold: 6 visits/year Platinum: 12 visits/year	16 visits/year
Lounge Access for Guests	Yes, included in visit limits	Not explicitly stated
Access Conditions	Tier-based access depending on annual spend; QR code or swipe at lounge; no spend requirement for first quarter	No spend condition stated
Priority Pass Membership	Yes, includes global Priority Pass access	Not specified

The Axis Atlas Credit Card offers complimentary airport lounge access both domestically and internationally. Cardholders receive tier-based lounge visits each year: Silver tier provides 8 domestic and 4 international visits; Gold tier offers 12 domestic and 6 international visits; and Platinum tier grants 18 domestic and 12 international visits annually. The lounge access extends to both the primary cardholder and guests. Access to international lounges is available through a Priority Pass digital membership provided by Axis Bank, covering over 1,300 lounges worldwide. Importantly, there is no spend-based requirement to avail of lounge access, and the first quarter after card issuance offers unconditional access regardless of past spend. However, in subsequent quarters, access depends on meeting the card’s tier status based on yearly spend. Customers have reported occasionally needing to request reversals for mistakenly charged guest lounge fees, though this is generally handled by Axis customer support.

In contrast, the IDFC Mayura Credit Card also provides complimentary lounge access, with 16 domestic and 16 international lounge visits annually. The card further offers golf-related benefits including complimentary rounds and lessons based on annual spend milestones. The lounge benefit is robust with no public conditional spend requirement explicitly mentioned, making it appealing to heavy travelers seeking both airport and lifestyle perks.

In summary, both cards provide strong lounge access benefits suited for frequent travelers, with Axis Atlas using a tier-based system linked to spending and Priority Pass for global lounges, while IDFC Mayura offers a fixed number of lounge visits and added lifestyle perks.

Cashback & Rewards Redemption: Axis Atlas vs IDFC Mayura Credit Card

Feature	Axis Atlas Credit Card	IDFC Mayura Credit Card
Redemption Options	EDGE Rewards portal (online), mobile app, NetBanking	Bank’s rewards portal
Redemption Types	Travel Edge portal bookings (1:1 value), airline/hotel partner miles transfer (1:2 ratio usually)	Cashback/redemption in points via portal
Cashback Credit	Not typical cashback; rewards as miles or points	Cashback credited as statement credit or wallet credit
Minimum Redemption	No minimum; partial redemption possible	Usually minimum redemption limits apply
Expiry of Rewards	EDGE Miles expire after 3 years	Rewards expire as per policy (unspecified)
Restrictions	Excluded MCCs like utilities, govt payments. Marriott Bonvoy transfers limited	No rewards for transport spends
Points to Cash Conversion	Not available; value via transfer to partners	1 Reward Point = ₹0.25

The Axis Atlas Credit Card rewards redemption primarily happens through the EDGE Rewards portal, which cardholders can access online, via the mobile app, or through net banking. Rewards can be redeemed on the Axis Travel Edge portal at a 1:1 ratio for flights and hotel bookings, or transferred to airline and hotel partners at a roughly 1:2 conversion rate, offering excellent value for frequent travelers. EDGE Miles have a validity of three years and exclude certain categories like utilities, government payments, and wallet loads. Cashback as direct statement credit is not typical; instead, value is derived through travel redemptions.

On the other hand, the IDFC Mayura Credit Card offers redemption through its rewards portal where points can be converted into cashback or statement credits. Points typically convert to cashback at a rate of 1 RP = ₹0.25. Unlike Axis Atlas, which focuses on travel rewards, IDFC Mayura provides straightforward cashback with standard redemption limits and policies. Some categories such as transportation spend do not earn rewards on this card.

This comparison highlights Axis Atlas’s focus on travel reward flexibility and high-value redemptions versus IDFC Mayura’s simpler cashback structure suitable for everyday use.

Frequently Asked Questions (FAQ’s)

Is the Axis Atlas Credit Card available as a lifetime free card?

The Axis Atlas Credit Card typically has a joining and annual fee of ₹5,000 + GST with no waiver on renewal. However, it has been reported that customers opening an Axis Bank Burgundy Salary Account with a minimum monthly net salary credit of ₹2 lakhs might be eligible for the Atlas card on a lifetime free basis. This is a special offer rather than a standard feature.

How can I redeem rewards earned on the Axis Atlas Credit Card?

Rewards are earned as EDGE Miles, which can be redeemed via the Axis EDGE Rewards portal, mobile app, or net banking. Miles are redeemable for bookings on the Axis Travel Edge portal or transferable to multiple airline and hotel loyalty programs at roughly 1 EDGE Mile = 2 partner miles, providing significant value for travel redemptions. Redemption fees include ₹99 + GST for redemption and ₹199 + GST for transfer to partner points.

What lounge access benefits do these cards offer?

Axis Atlas provides tier-based lounge access—starting at 8 domestic and 4 international visits per year for Silver tier members, scaling up to 18 domestic and 12 international visits for Platinum members. Lounge access via Priority Pass is included. IDFC Mayura offers 16 domestic and 16 international lounge visits annually. Both cards do not have strict spend criteria for lounge access, though the Axis Atlas card’s tier depends on annual spend.

How can I maximize rewards on the IDFC Mayura Card?

The IDFC Mayura Card offers 10x reward points on monthly spends exceeding ₹20,000 and on birthday spends; 5x points otherwise. To maximize rewards, plan spends to cross the ₹20,000 threshold monthly, use the card for categories like groceries, entertainment, and utilities (where rewards are applicable), and redeem milestone bonus points by achieving annual spends of ₹8 lakh and ₹15 lakh.

Are there any exclusions on earning rewards for both cards?

Yes. The Axis Atlas Credit Card excludes categories such as gold/jewelry, wallet loads, government payments, insurance, fuel, and utilities from earning EDGE Miles. The IDFC Mayura Card does not offer rewards on transportation spends, and some other categories may also be excluded. It is important to review terms to know specifically excluded merchant categories to plan usage optimally.

Conclusion: Axis Atlas vs IDFC Mayura Credit Card

Both the Axis Atlas and IDFC Mayura Credit Cards are premium travel-focused options catering to distinct user needs. The Axis Atlas card shines with its flexible EDGE Miles that convert to valuable airline and hotel loyalty points, tier-based lounge access including global Priority Pass membership, and a competitive joining and renewal fee of ₹5,000 + GST. It suits travelers who want maximum value from points transfer, frequent hotel and flight bookings, and exclusive lounge privileges.

On the other hand, the IDFC Mayura Card, with a higher annual fee of ₹5,999 + GST, appeals to high-income individuals looking for cashback rewards, milestone bonuses, and substantial lounge access without complex tier restrictions. It also features zero forex markup, which is an edge for international travelers focused on cost savings.

Prospective applicants should evaluate their spending patterns—Axis Atlas is ideal for those who maximize travel-related spends and rewards redemptions, while IDFC Mayura suits users preferring stable cashback and fewer exclusions. Before applying, it is advisable to check the credit score to avoid rejections and select the card aligning best with personal financial habits and travel preferences.